Tokio Marine TMCare Individual Hospital & Surgical product details
- Non-participating policy – Stand Alone Policy (Health Insurance)
- Covers expensive medical costs when the need for hospitalisation arises due to illness or injury
- 5 insurance plans to suit varying needs and budgets
- All plans assure no deductible or co-payment fees on your hospitalization expenses
- Covers:
- Hospital room charges
Covers normal ward room and board charges, intensive care ward charges incurred. There is no deductible and no limit on the number of days hospitalised - Miscellaneous services
This pays for expenses in respect of in-hospital doctor’s visit, drugs, medicine, laboratory tests, administration and the cost of blood or blood plasma, ambulance fees etc - Lodger benefit
For a child not more than 12 years of age, it pays for the expenses incurred for an adult required to accompany the insured person during hospitalisation due to an accident or illness. - Surgical procedures
This covers (including day surgery) without regard to a surgical schedule that is commonly imposed in other health and surgical insurance. - Specialist consultation, examination and laboratory test
Covers specialist fees in respect of consultation, pathology and radiography following referral from a general practitioner. This benefit will not apply if the insured person is not hospitalised or surgically treated subsequent to the diagnosis. - Post-hospitalisation treatment
Covers follow-up treatment by the same physician up to a period of 90 days immediately following discharge from hospital. - Emergency dental treatment
This pays for dental treatment expenses needed to restore or replace teeth lost or damaged by an accident. - Emergency accidental out-patient treatment
This covers expenses for emergency out-patient treatment of accidental bodily injuries received within 24 hours of the accident. It will also pay for treatment for injuries (other than bone fractures) by a Chinese physician subject to a limit of $200 per accident. - Emergency illness out-patient treatment
This pays for expenses for emergency out-patient treatment between 12am and 6am of the same day at a hospital. - Emergency medical evacuation and repatriation
- This operates only when the insured person is overseas. It pays for expenses incurred for air and/or surface transportation, medical care during transportation and other ancillary charges incurred in moving the insured person to the nearest hospital.
- In the event of death, it pays for the expenses incurred to transport the insured person’s mortal remains back to the country of residence or cost of burial/cremation at the place of death.
- Accidental miscarriage
This pays for charges incurred for emergency treatment for miscarriage due to an accident. Treatment should be sought within 24 hours of the accident. - Special grant
This is payable if an insured person dies from an injury or illness during or after treatment at a hospital or in day surgery. - Organ transplant
This pays for the cost for surgical transplant of the heart, lung, kidney, liver and bone marrow performed in a hospital. However, it excludes the cost of acquiring the organ and cost incurred by the donor. - Out-patient cancer treatment & out-patient kidney dialysis treatment
This covers the expenses incurred in respect of out-patient cancer treatment and/or out-patient kidney dialysis treatment. - Medical report fee
This pays for costs of obtaining medical reports in respect of eligible medical claims under the policy. - Daily hospital income
If an insured person is hospitalised in a government or government restructured hospital (excluding National University Hospital) due to a disability covered under this policy, an allowance will be paid for each 24-hour period of hospitalisation up to thirty (30) days. A time excess of forty-eight (48) hours is applicable to this benefit. - Home nursing
This covers home nursing provided by a registered nurse immediately following the insured person’s discharge from hospital if it is considered necessary by the attending physician
- Hospital room charges
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Features of Tokio Marine TMCare Individual Hospital & Surgical at a glance
Cash and Cash Withdrawal Benefits
Cash value: No
Cash withdrawal benefits: No
Health and Insurance Coverage
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No
Health and Insurance Coverage Multiplier
Death: No
Total Permanent Disability: No
Terminal Illness: No
Critical Illness: No
Early Critical Illness: No
Optional Add-on Riders
NA
Additional Features and Benefits
Yes.
For further information and details, refer to Tokio Marine website. Alternatively, fill up the form below and let us advise accordingly.
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